Podcasts about good credit

In this episode of Two Black Guys with Good Credit, Shaun goes one-on-one with longtime friend and serial entrepreneur Javil Nickle. Javil shares insights about his printing business, his Jamaican resort initiative, and his amazing sea moss juice.POD up, people—you don't want to miss this episode!Support this show http://supporter.acast.com/2bg. Hosted on Acast. See acast.com/privacy for more information.

In this special tribute episode of Two Black Guys with Good Credit, we tip our hats to one of the greatest financial minds of our time—Warren Buffett. As the legendary investor takes a step back from the spotlight, we reflect on the timeless wisdom he's shared over the decades. From investing strategies to life philosophies, Buffett has inspired generations to build wealth with patience, discipline, and integrity.Join us as we break down our Top 10 Warren Buffett Quotes and what they mean for everyday people trying to secure their financial futures. Whether you're a seasoned investor or just learning to budget, this episode delivers practical insights and motivation straight from the Oracle of Omaha himself.Good credit, smart money moves, and a whole lot of Buffett brilliance—Pod'up this is one episode you don't want to miss.Support this show http://supporter.acast.com/2bg. Hosted on Acast. See acast.com/privacy for more information.

Josh and Amelie discuss credit cards–how do you build good habits? The strategies are slightly different Top takeaways: The proper way to use a credit card is to use it exactly like a debit card–use it for everyday purchases and pay it off every month. For new users (whether brand new or people who have had debt recently), start with something small and simple–put gas purchases on your card, pay the statement in full every month. For new users, keep the limit relatively low and don't necessarily increase the limit. For experienced users (made full payments every month for 24 months), you can start adding in multiple cards and rewards and all of that kind of thing. If you're trying to start over, stop using cards and get to the point where balances are consistently going down. Then get a new card with a low limit or a paid off card with a low limit and go back to using it for one type of simple purchase each month (like gas). Related episodes: - #119: Is the snowball method the best way to pay off debt? - #133: Credit versus Debit Cards Want help building or growing a successful financial coaching business? Find resources below based on where you're at in your journey: - Deciding whether Financial Coaching is right for you? Join our free Facebook Community with over 5000 current and aspiring financial coaches! https://www.facebook.com/groups/financialcoachescommunity - Already decided you're going to be a Financial Coach and want to learn more? Get 30+ tips and best practices in our free 8-part email series! https://www.financialcoachesnetwork.com/pre-launch-email-series - Ready to Launch your Financial Coaching business? Join FCN Launch, our step-by-step program that will help you successfully launch your business in four months and grow it to a consistent part-time income. https://www.financialcoachesnetwork.com/launch - Are you already coaching clients and want to grow your business to a full-time income? Join FCN Grow, our program that helps you scale your business to a full-time income. https://www.financialcoachesnetwork.com/grow

In this solo episode of Two Black Guys with Good Credit, Shaun steps in as the “One Black Guy with Good Credit” to break down the myths and truths about tariffs. He cuts through the noise and delivers a clear, easy-to-digest explanation to help you understand what tariffs really mean—and why everyone's talking about them. Pod up, good people, and let's get to the bottom of the tariff talk!Support this show http://supporter.acast.com/2bg. Hosted on Acast. See acast.com/privacy for more information.

It's that time — Wayback Wednesday!Are you the hunter or the hunted? In this episode, we're taking aim at the shady world of Predatory Lending. Shaun is fired up, and Two Black Guys with Good Credit is locked and loaded to keep you out of the crosshairs.Tune in — we're going hunting!Support this show http://supporter.acast.com/2bg. Hosted on Acast. See acast.com/privacy for more information.

It's Wayback Wednesday and we thought during these pandemic times it was important to discuss Life Insurance. We brought back one of our fav episodes to break it down. That's right Get a Life and pod up!Get a Life! That's right, we said it, "Get a Life...Insurance Policy". If you keel over right now, are your loved ones protected? Have you even taken a good hard look at life insurance to see what your options are? Term, Whole Life --"insurance is a huge generational wealth building tool",they say, "insurance is a scam", they say, "we all need it", they say. Yo, they say a lot so, we're getting to the bottom of it on this week's episode. Lock in and pod up because it may be time for you to "Get a Life!" on Two Black Guys with Good Credit!!Support this show http://supporter.acast.com/2bg. Hosted on Acast. See acast.com/privacy for more information.

Todd Veinotte and Clinton Wilkins discuss the role of a mortgage broker, emphasizing their ability to offer tailored mortgage advice and access to multiple lenders. Clinton highlights his extensive experience, having managed $2 billion in mortgages, and notes the shift from branch-based mortgages to broker-assisted ones, especially for first-time homebuyers. The two also talk about the importance of a good credit score, with Clinton reviewing the best advice to achieve one. 

We start the show off with some Super Cross talk with D'Marco. Mason & Ireland are both in studio getting ready for Lakers vs Bucks tonight! The Lakers are 18-2 at home since the new calendar year. 9-0 since Feb 19th. We play a line from Playboy Carti new song with Kendrick Lamar titled Good Credit. Kendrick had a verse in regards to Luka Doncic. We decide as a group in whether Kendrick is dissing Luka Doncic in the Lyric. WHEEL OF QUESTIONS. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Feucht, schmutzig und blubbrig hören sich die Beats des neuen Albums von clipping. an: der Sound für moorige Tümpel mit Krötenkolonie. Die Rap-Crew aus LA zeigt sich auf «Dead Channel Sky» futuristisch, rücksichtslos und - einmal mehr - polarisierend. +++ PLAYLIST +++ 22:55 D'YER MAK'ER von LED ZEPPELIN 22:52 MEGA CIRCUIT von JAPANESE BREAKFAST 22:44 DETLEF SCHREMPF von BAND OF HORSES 22:40 GET A DOG von PINA PALAU 22:35 WORK IT von MISSY ELLIOTT 22:32 WELTITA von BAD BUNNY/CHUWI 22:28 MOTHERLAND JOURNEY von BLUE LAB BEATS FEAT. KILLBEATZ & FELA KUTI 22:22 SÜPÜRGESI YONCADAN von ALTIN GÜN 22:17 COOL HAND von DERYA YILDIRIM AND GRUP SIMSEK 22:14 LA NUIT GALOPE von CITRON CITRON 22:11 ILE D'OGOZ von LEOPARDO 21:55 DRAGGIN' von HANNAH COHEN 21:51 RELATIONSHIPS von HAIM 21:48 SUMMER OF LOVE von THROWING MUSES 21:44 NOT TOO SOON von THROWING MUSES 21:40 BERNIE SANDERS von NOTHING 21:36 COLOSSUS II von FOMIES 21:31 CONFUSION von FOMIES 21:21 ICE V von KING GIZZARD & THE LIZARD WIZARD 21:18 MYSTERY von TURNSTILE 21:13 INTROCHANGES von RAFAEL TORAL 21:09 SANS MOI von LILY GASC 21:06 SKYLINES von SOUKEY FEAT. PRONTO 20:58 BURROW von MEN I TRUST 20:55 HEAVENLY FLOW von MEN I TRUST 20:52 PAUL'S THEME von MEN I TRUST 20:47 SHOW ME HOW von MEN I TRUST 20:44 ONE FOOT von GREENTEA PENG 20:39 EVIL J0RDAN von PLAYBOI CARTI 20:36 GOOD CREDIT von PLAYBOI CARTI 20:29 MIRRORSHADES PT. 2 von CLIPPING. FEAT. CARTEL MADRAS 20:25 KEEP PUSHING von CLIPPING. 20:23 CHANGE THE CHANNEL von CLIPPING. 20:16 RUN IT von CLIPPING. 20:14 STATUE IN THE SQUARE von KAE TEMPEST 20:10 CHOOSE THE LATTER von FINN WOLFHARD 20:06 TAILWHIP von Men I Trust

#PlayboyCarti #KendrickLamar #GOODCREDIT #IAMMUSIC #MUSIC #RAPSeason 11 BEGINS! For Let's Talk About It: MUSIX REVIEWS. The Music Critic is gearing up ready to deliver a action packed season. Daily episodes are fully back! This SEASON is the first yearly long season! Get ready for the wild RIDE OF S11! Fun Pop Reviews, Rap Reviews AND MORE! ,good credit kendrick lamar,good credit playboi carti,kendrick lamar,kendrick lamar good credit,kendrick lamar good credit reaction,kendrick lamar playboi carti,kendrick playboi carti,playboi carti,playboi carti ft kendrick lamar,playboi carti good credit,playboi carti good credit lyrics,playboi carti i am music,playboi carti kendrick lamar,playboi carti kendrick lamar good credit,playboi carti new album,playboi carti reaction

This week the fellas discuss Tubi Star Gravy's comments on black women. Ye comments on Kendrick, Envouge star living in her car, Steph Curry's place on the Mount Rushmore, and comments from Anthony Mackie. As always a look at the culture from a midwest POV.

Linktree: https://linktr.ee/AnalyticIn this segment of Notorious Mass Effect, your host Analytic Dreamz unpacks the buzz surrounding Playboi Carti's highly anticipated album, I AM MUSIC, originally slated for a midnight EST release on March 14, 2025, but pushed to 3 a.m. EST after Young Thug submitted his verse just in time. The star-studded project features heavyweights like Travis Scott, Future, Lil Uzi Vert,The Weeknd, Skepta, Young Thug, Ty Dolla Sign, and a mystery artist yet to be revealed. DJ Akademiks, who previewed the album on March 13, dubbed it a 'day one classic,' fueling speculation with teases of a Kendrick Lamar feature and a posthumous XXXTENTACION collaboration. Carti plans to debut I AM MUSIC live at Rolling Loud California 2025 before hitting the road with The Weeknd. Following the massive success of Whole Lotta Red, which debuted at No. 1 on the Billboard 200 with 100,000 units in 2020, fans took to X in a frenzy over the delay. Memes and the 'I AM DELAY' trend dubbed it the '3/14/2025 Incident,' reflecting Carti's signature unpredictable drops. Despite the wait, excitement remains electric—Analytic Dreamz breaks down why the internet will erupt when I AM MUSIC finally lands.Support this podcast at — https://redcircle.com/analytic-dreamz-notorious-mass-effect/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Kleines «aber»: Alle im Titel genannten Artists haben heute neue... Singles veröffentlicht und retten uns damit einen ziemlich schwachen «New Music Friday» – zumindest wenn wir auf die eher uninspirierende Liste der neuen Alben blicken. (Ist heute in den USA Feiertag und niemand hat uns was gesagt?) Zudem in der letzten Stunde der heutigen Sendung: 10 Jahre «To Pimp a Butterfly» von Kendrick Lamar. Wir würdigen dem Rap-Jazz-Meisterwerk von King Kenny eine ganze Stunde. +++ PLAYLIST +++ · 22:47 – MORTAL MAN von KENDRICK LAMAR · 22:41 – I von KENDRICK LAMAR · 22:36 – THE BLACKER THE BERRY von KENDRICK LAMAR · 22:31 – HOW MUCH DOES A DOLLAR COST von KENDRICK LAMAR · 22:28 – ALRIGHT von KENDRICK LAMAR · 22:21 – THESE WALLS von KENDRICK LAMAR FEAT. BILAL & ANNA WISE & SNOOP DOGG · 22:17 – KING KUNTA von KENDRICK LAMAR · 22:12 – WESLEY'S THEORY von KENDRICK LAMAR FEAT. GEORGE CLINTON & THUNDERCAT · 21:56 – JUST von RADIOHEAD · 21:51 – RUN IT von CLIPPING. · 21:47 – NOT LIKE US von KENDRICK LAMAR · 21:42 – GOOD CREDIT von PLAYBOI CARTI · 21:40 – HOT MATCH von SOPHIA KENNEDY · 21:36 – RODEO von SOPHIA KENNEDY · 21:33 – LIBRETTO von THROWING MUSES · 21:29 – DRUGSTORE DRASTIC von THROWING MUSES · 21:27 – SEX, DRUGS & EXISTENTIAL DREAD von CHLOE QISHA · 21:23 – GURBET von ÖZDEMIR ERDOĞAN · 21:18 – COOL HAND von DERYA YILDIRIM & GRUP ŞIMŞEK · 21:13 – RAAT KI RANI von AROOJ AFTAB & KHRUANGBIN · 21:09 – THREE FROM TWO von KHRUANGBIN · 21:06 – ÎLE D'OGOZ von LEOPARDO · 20:56 – PUMPING ON YOUR STEREO von SUPERGRASS · 20:53 – ELEVEN SENT (THIS TIME) von COURTING · 20:49 – I WAS RIGHT von HAMILTON LEITHAUSER · 20:45 – OFF THE BEACH von HAMILTON LEITHAUSER · 20:40 – WORLD AWAY von ÉTIENNE DE CRECY FEAT. ALEXIS TAYLOR · 20:34 – AND I WAS A BOY FROM SCHOOL von HOT CHIP · 20:31 – DIARY von COOTIE CATCHER · 20:28 – IF ONLY I COULD WAIT von BON IVER FEAT. DANIELLE HAIM · 20:24 – RELATIONSHIPS von HAIM · 20:18 – RIP IT UP von ORANGE JUICE · 20:15 – THE HEART IS A FOOLISH LITTLE THING von EDWYN COLLINS · 20:11 – A GIRL LIKE YOU von EDWYN COLLINS · 20:07 – THE GIVER von CHAPPELL ROAN

#PlayboiCarti #Music Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, discover why 45% of prime borrowers are getting rejected despite having good credit scores. With banks now using black box algorithms analyzing 132 hidden variables, traditional metrics like credit scores have become less relevant. Between new Buy Merge rules and major lenders demanding higher income floors, the lending landscape has shifted dramatically. Learn how AI-driven algorithms and tightened regulations are affecting loan approvals, and explore strategies to navigate and secure funding in this challenging environment. A detailed funding guide is included to help you stay ahead of these rapid changes. Jessica's funding playbook: https://docs.google.com/document/d/1qXurYfk_cKZUoQO1lDmaEN1MlCTnYwrj28FXFapRZ8E/edit?tab=t.0 Learn more about your ad choices. Visit megaphone.fm/adchoices

Sign up for the Free Training:How to Build Wealth WITHOUT Going On A Strict Budget → Click here to watch now.Struggling to save, stuck in the debt cycle, or wondering where all your money goes? If you make good money but still feel like you're not getting ahead, let's change that. In a complimentary Financial Clarity Consultation, I'll help you identify what's keeping you stuck, show you exactly what to focus on next, and give you a clear plan to start building real wealth. No pressure, no sales pitch—just real solutions. And if we both decide it's a good fit, I'll share how we can work together to make it happen. Click Here to book your consultation now! Ready to finally Stop Overspending?Start The Stop Overspending Course today → Click here to enroll. Click Here to open an Account with Ally Bank Using My Referral Link. Where to Find Me: Subscribe to Wealthy Wednesdays Newsletter: Get insights & updates → Click here to join. Follow Me on Instagram → @germainefoleycoaching...

We're back! A new season of Two Black Guys with Good Credit is here, and we're kicking things off with a bang. Shaun is celebrating his newly minted perfect credit score—850! He's dropping gems and insights to help you get there too. Pod up, good people—you don't want to miss this episode: The Perfect Credit Score.Support this show http://supporter.acast.com/2bg. Hosted on Acast. See acast.com/privacy for more information.

Paul Nolte, Senior Wealth Advisor & Market Strategist for Murphy & Sylvest, joins Bob Sirott to talk about why the markets remain expensive, possible rate cuts for the new year, and why commodity prices are picking up. He also shares details about what investors can expect from stocks this year and how to keep a […]

Rate & review the Simply Financial Podcast on ITunes

Rate & review the Simply Financial Podcast on ITunes

Struggling with credit issues? Don't let bad credit hold back your Amazon business growth! In this episode of The Clear the Shelf Podcast, Chris Grant and Chris Racic dive deep into actionable steps to fix your credit for FREE and leverage better credit for scaling your Amazon FBA business. Whether you've made mistakes in the past or simply want to optimize your credit score, this episode has the strategies you need.Just make sure to wield credit wisely! What you'll learn: • How to access and analyze your credit report for errors • The power of dispute letters: How to use them effectively • Proven negotiation tactics for reducing or eliminating old debts • Step-by-step methods to rebuild credit, including secured cards and credit builder loans • Expert tips for maintaining and optimizing your credit utilization -------------------- RESOURCES FOR YOU:

Think paying everything in cash is the best way to stay financially secure? Think again. In this episode, we explore why having no credit history can actually hurt you when it’s time to apply for a home loan—and what you can do to build a solid credit profile. We’re joined by Kevin James, General Manager at Equifax, who unpacks the ins and outs of credit scores: what they are, how they’re calculated, and why they matter. You’ll learn how things like paying your bills on time and being mindful of your credit applications can positively impact your score. Kevin also clears up misconceptions about buy-now-pay-later services and why they don’t do much to boost your creditworthiness. If your credit score isn’t where you’d like it to be, don’t worry—we’ve got you covered. Kevin shares practical steps for repairing a bad score, including how to check your credit report for free and the importance of working with your lender when times get tough. He also talks about the surprising benefits of small financial habits, like managing a credit card or phone plan in your name. This episode is your guide to understanding and improving your credit score, helping you get closer to your goal of homeownership. Listen now and take that next step toward financial confidence! Episode Highlights: 00:00 - Introduction 01:59 - Who is Kevin James? 03:30 - What does a credit score actually look like? 04:55 - What behaviours or actions impact a credit score? 06:49 - When does one start getting a credit score? 08:40 - Full payment vs. Minimum payment on credit card bill: what’s best for your credit score? 09:27 - How does “buy now, pay later” services like Afterpay influence a credit score? 10:36 - Why are credit scores important for first home buyers? 12:03 - How to find out what your credit score is 15:07 - How does one get a bad credit score 18:24 - How do you repair a bad credit score 22:31 - What impact does applying for multiple credit products have on a credit score? 25:26 - The role of AI in calculating credit scores 26:21 - Can parents managing bills hinder credit building for adult children? 28:54 - Why does Money Smart advise against paying for credit score repair services? 33:34 - What Kevin wishes he knew about credit scores as a first home buyer About Our Guest: Kevin James is the Chief Solutions Officer at Equifax Australia, leveraging his deep expertise in credit scores and financial analytics. With over six years at Equifax, including leading Advisory & Analytics Consultancy Services, Kevin has built a reputation for delivering strategic insights and innovative solutions. Known for his passion and ability to engage on complex topics, he previously held leadership roles at ANZ, focusing on customer engagement and risk strategy. Based in Melbourne, Australia, Kevin is a recognised thought leader in financial services. Connect with Kevin James: LinkedIn https://au.linkedin.com/in/kevin-james-b1b0b558 Resources: FREE MINI COURSE: How to price property like a professional https://www.homebuyeracademy.com.au/freecourse Meet our recommended mortgage brokers at Home Buyer Academy https://homebuyeracademy.com.au/brokers Visit our website https://www.homebuyeracademy.com.au/ Join our Facebook Group to get access to free monthly live Q&A sessions https://www.facebook.com/groups/yourfirsthomebuyerguideaustralia Learn how to buy property without making a mistake with our ultimate 10-step online course for first time home buyers https://homebuyeracademy.com.au/YFHBG If you have any questions or would like to be featured on our show, contact us at: Your First Home Buyer Guide Podcast support@homebuyeracademy.com.au Looking for a Sydney Buyers Agent? https://www.gooddeeds.com.au Work with Veronica: https://www.veronicamorgan.com.au Looking for a Brisbane Buyers Agent? https://www.propertypursuit.com.au/ Work with Meighan: https://www.linkedin.com/in/meighanwells/ If you enjoyed today’s podcast, don’t forget to subscribe, rate, and share the show! There’s more to come, so we hope to have you along with us on this journey! Subscribe on YouTube: https://www.youtube.com/@YourFirstHomeBuyerGuidePodcast Subscribe on Apple Podcasts: https://podcasts.apple.com/ph/podcast/your-first-home-buyer-guide-podcast/id1544701825 Subscribe on Spotify: https://open.spotify.com/show/7GyrfXoqvDxjqNRv40NVQs?si=7c8bc4362fab421f See omnystudio.com/listener for privacy information.

Send us a textIn this episode, we're breaking down everything you need to know about credit scores — what they are, why they matter, and how they can impact your financial journey. I'll walk you through the basics, including the three credit reference agencies in the UK (Experian, Equifax, and TransUnion) and explain why your credit score might look different depending on where you check it.We'll also talk about practical ways to build and improve your credit, whether starting from scratch or trying to repair a less-than-perfect score. I'll cover the difference between a soft and hard credit check, why it's essential to know the difference, and how these checks affect your score. Plus, I'll highlight some credit builder platforms that can help you take control of your credit and get on track toward achieving your financial goals.Whether you're new to credit or want to improve it, this episode will give you the tools to make smarter financial decisions. Let's take the mystery out of credit and put you in control of your financial future.Support the showFOLLOW PENNIES TO POUNDS

In this episode of Financial Advisors Say The Darndest Things, A.B. Ridgeway breaks down the financial quicksand that is credit card debt and shares strategies to regain control of your financial future. With interest rates climbing to as high as 23%, getting out of credit card debt seems harder than ever. But with the right approach, such as leveraging personal loans, improving credit scores, and negotiating with creditors, you can begin to make real progress.Here's how to approach it:3 Key Takeaways:Use a Personal Loan to Escape High-Interest Debt Credit cards can carry overwhelming interest rates, but personal loans often offer much lower rates. Use the loan to pay off your credit cards, then focus on chipping away at the loan itself. This can help avoid paying upwards of 23% in interest fees.Good Credit is Your Golden Ticket Whether it's getting a personal loan, refinancing debt, or negotiating better interest rates, good credit is the foundation. Focus on improving your credit score before making any major financial moves, as it significantly impacts your financial opportunities.Always Negotiate for Better Terms One of the best-kept secrets in personal finance is the power of negotiation. Don't hesitate to call your credit card company and ask for a lower interest rate. Studies show that this works over 76% of the time—simply asking can save you thousands in interest over time.3 Powerful Quotes:"Who wants to pay 23% interest? Nobody." — A.B. Ridgeway This highlights the crippling effect high-interest rates can have on your financial freedom."Credit is like telling the world, you have not paid off the people you owe." — A.B. Ridgeway This vivid analogy underscores how crucial your credit score is in the financial world."It is very dishonest to take money from someone and refuse to pay them back, whether it's your student loan, credit card, or anything else." — A.B. Ridgeway A reminder that integrity in finance means honoring your commitments and paying off debts.This episode emphasizes the importance of taking proactive steps to manage debt, protect your credit, and negotiate better financial terms. It's not just about paying off debt but building a strategy that protects your financial future.

In this episode of Financial Advisors Say The Darndest Things, A.B. Ridgeway breaks down the financial quicksand that is credit card debt and shares strategies to regain control of your financial future. With interest rates climbing to as high as 23%, getting out of credit card debt seems harder than ever. But with the right approach, such as leveraging personal loans, improving credit scores, and negotiating with creditors, you can begin to make real progress.Here's how to approach it:3 Key Takeaways:Use a Personal Loan to Escape High-Interest Debt Credit cards can carry overwhelming interest rates, but personal loans often offer much lower rates. Use the loan to pay off your credit cards, then focus on chipping away at the loan itself. This can help avoid paying upwards of 23% in interest fees.Good Credit is Your Golden Ticket Whether it's getting a personal loan, refinancing debt, or negotiating better interest rates, good credit is the foundation. Focus on improving your credit score before making any major financial moves, as it significantly impacts your financial opportunities.Always Negotiate for Better Terms One of the best-kept secrets in personal finance is the power of negotiation. Don't hesitate to call your credit card company and ask for a lower interest rate. Studies show that this works over 76% of the time—simply asking can save you thousands in interest over time.3 Powerful Quotes:"Who wants to pay 23% interest? Nobody." — A.B. Ridgeway This highlights the crippling effect high-interest rates can have on your financial freedom."Credit is like telling the world, you have not paid off the people you owe." — A.B. Ridgeway This vivid analogy underscores how crucial your credit score is in the financial world."It is very dishonest to take money from someone and refuse to pay them back, whether it's your student loan, credit card, or anything else." — A.B. Ridgeway A reminder that integrity in finance means honoring your commitments and paying off debts.This episode emphasizes the importance of taking proactive steps to manage debt, protect your credit, and negotiate better financial terms. It's not just about paying off debt but building a strategy that protects your financial future.

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 2654: Amy Beardsley of SmartMoneyMamas.com reveals the importance of a good credit score in building wealth. She provides actionable strategies to improve credit, emphasizing the significance of responsible credit management in achieving financial stability and long-term wealth growth. Read along with the original article(s) here: https://smartmoneymamas.com/good-credit-score/ Quotes to ponder: "Your credit health is one of the most essential pieces of your financial puzzle." "No matter how you got where you are, there's no judgment or shame here, just excellent credit strategies from The Frugal Creditnista, Netiva Heard, to help you get back on top of your financial game." "Small, baby steps to improve your credit are the most effective." Episode references: AnnualCreditReport.com: https://www.annualcreditreport.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 2654: Amy Beardsley of SmartMoneyMamas.com reveals the importance of a good credit score in building wealth. She provides actionable strategies to improve credit, emphasizing the significance of responsible credit management in achieving financial stability and long-term wealth growth. Read along with the original article(s) here: https://smartmoneymamas.com/good-credit-score/ Quotes to ponder: "Your credit health is one of the most essential pieces of your financial puzzle." "No matter how you got where you are, there's no judgment or shame here, just excellent credit strategies from The Frugal Creditnista, Netiva Heard, to help you get back on top of your financial game." "Small, baby steps to improve your credit are the most effective." Episode references: AnnualCreditReport.com: https://www.annualcreditreport.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Learn how to build your credit score with our step-by-step guide. Explore how using secured credit cards can to help you establish and improve your credit score in this episode of Good Money Moves with Jenna Taubel from First Alliance Credit Union and Andy Brownell with KROC AM.

*Episode 151: Question of the Month - How to raise credit score and reach Financial Freedom? * _In this episode we discuss the history of the credit card, and credit in the United States. Do you know what the impact of your credit score is? Have you checked yours recently? _ History of Credit and the Credit Card U.S. Credit Gen X has the highest credit, avg $9,123. Avg: $6,500.00 FICO score: 300 - 850 Average American FICO score: 715 AnnualCreditReport.com Do you have a favorite credit card? Discover purchased by Capital One Department Stores' reliance on their credit cards. Score Range Budgeting Daisy's story of PSLF student loan forgiveness and raising credit score from low 600's after not using credit cards, to 800+ in 3 years

In this episode we discuss with the decline in inflation but yet the rise in grocery prices. This makes no sense and it even has economist scratching their heads. Well, we at Two Black Guys with Good Credit have the answers....so let's pod up good people and listen up!Support this show http://supporter.acast.com/2bg. Hosted on Acast. See acast.com/privacy for more information.

Your credit score has power, and that three-digit number dramatically impacts your financial future. If you do nothing else this year, grab your credit score the tail and yank it up to 700+ (preferably over 740). You don't have to go all crazy trying for an 850 score – but don't get lazy. Even if you have a good score, it could drop tomorrow by one silly mishap. Marsha Barnes from The Finance Bar will share her best tips to get your score in check in this reboot episode. What You'll Learn Why your credit score is a powerful piece of your financial future How to create a better financial brand for yourself Which credit scoring models do you need to care about What action steps you should take this year to raise your score How your score impacts your job and where you live Why Marsha is so passionate about financial literacy Links FICO The Finance Bar Credit Karma Credit Sesame Thank you for being a part of our community! We couldn't do it without you. To support the show, please subscribe or share the word about this show in your circles. Sign up for our newsletter or follow me on Instagram to keep up with everything happening in the world of Everyone's Talkin' Money. You can download 10 Money Questions to Ask Yourself Free Money Guide https://etmpod.link/10moneyq and leave a 5-star Review here https://ratethispodcast.com/etm. SPONSORS Thanks to NerdWallet for sponsoring the show. Don't wait to make smart financial decisions. Compare and find smarter credit cards, savings accounts, and more today at www.nerdwallet.com. Thanks to Monarch for sponsoring the show. ​​After trying out Monarch for myself, I understand why it's the top-rated personal finance app. Listeners of this show will get an extended thirty-day free trial when you go to www.monarchmoney.com/ETM.  Thanks to Uncommon Goods for sponsoring the show. Get 15% off your next gift by going to www.uncommongoods.com/ETM.  Thanks to EarnIn for sponsoring the show. Just download the EarnIn app in Google Play of the Apple App Store and use code Talkin Money under Podcast. Thanks to Noom for sponsoring the show. Start taking control of your weight management and join the millions who have lost weight with Noom. Sign up for your TRIAL today at www.noom.com.   Thanks to ButcherBox for sponsoring the show. Sign up today at www.butcherbox.com/etm and use code ETM to get $20 off your first order. Learn more about your ad choices. Visit megaphone.fm/adchoices

What app do we actually need? We come up with some ideas of our own.     Support the show and follow us here Twitter, Insta, Apple, Amazon, Spotify and the Edge! See omnystudio.com/listener for privacy information.

There's a new dating app that requires you to have good credit. 

Obtaining credit for a business is critical so that they can borrow additional funds if needed. Establishing and building business credit is essential for any business owner, whether they are looking to expand and grow their company with financing or even if they don't intend on utilizing any financing.  By establishing a good credit history with lenders, you can access the capital you need to finance your operations, purchase inventory and supplies, and expand your business. There are several things you can do to build strong business credit, but before you can establish any business credit, you need to make sure your business is structured properly. In today's podcast episode, I am outlining not only the very first step you need to take so that you can start building your credit profile but also a few other important steps you need to take to build credit for your business.  Establishing and building credit for your business is something you will build over time, and it doesn't matter if you are starting a business or side hustle, you're a self-employed individual, a solopreneur, entrepreneur, mompreneur, freelancer, small business owner, a remote, virtual, online, or in-house bookkeeper or accountant, a virtual assistant or VA, or other professional good credit has many positive impacts for your business.  If you need to establish or build credit in your business, you'll want to implement these steps early in your business. Building credit for your business takes time, and the sooner you start, the more time you'll have to generate transactions that build your credit.  It doesn't matter if you are using a computerized software system like QuickBooks, Xero, Wave, or FreshBooks for your business finances or if you are doing your bookkeeping manually with an Excel spreadsheet or even a Google document, this episode will provide steps for you to ensure your business is building business credit… Find out how you can work with me by either scheduling a free consultation or signing up for the BALANCE Life Coaching program, where you can get private one-on-one coaching every week.  Find out where you'd like to see yourself and your business in the future.  We'll create a laser-focused plan, including which action steps you need to take to get started on the path to success: https://www.financialadventure.com/work-with-me Accountants, CPAs, Bookkeepers, Tax Preparers & Financial Professionals, sign up here to get updates on upcoming opportunities & grab the Audit Of Your Well-Being & Balance Guide here: https://www.financialadventure.com/accountant Ready to set up your business?  I have a program I'm creating to help you get your business set up so that you can start making money.  Sign up for this program here: https://www.financialadventure.com/start Are you ready to try coaching?  Schedule an Introductory Coaching Session today.  You'll have the opportunity to dip your toes in and see how you like coaching with an Introductory Coaching Session.  I'll spend the whole time coaching you on anything you'd like coaching on in your business or your personal life: https://www.financialadventure.com/intro Join us in the Mastering Your Small Business Finances PROFIT LAB if you are ready to take control of your business finances and create the profitable business you are striving for.  Are you ready to generate revenues and increase the profit in your business: https://www.financialadventure.com/profit If You Are Ready To Choose, Start Or Grow Your Side Hustle, Get Your Free Checklist And Assessment Here: https://www.financialadventure.com/sidehustle Grab Your FREE guide:  5 Essential Strategies For Stress-Free Bookkeeping: https://www.financialadventure.com/5essentials Your FREE Online Virtual Bookkeeping Business Starter Guide & Success Path Is Waiting For You: https://www.financialadventure.com/starterguide Join Our Facebook Community:  https://www.facebook.com/groups/womenbusinessownersultimatediybookkeepingboutique The Strategic Bookkeeping Academy, including Bookkeeping Basics, is open for registration!  You can learn more and sign up here: https://www.financialadventure.com/sba Looking for a payroll solution for your business?  You can get an exclusive 15% discount on your payroll services when you sign up here: https://www.financialadventure.com/adp QuickBooks Online - Save 30% Your First 6 Months: https://www.financialadventure.com/quickbooks Sign up for a virtual coffee chat to see if starting a Bookkeeping Business is right for you: https://www.financialadventure.com/discovery Show Notes:  https://www.financialadventure.com This podcast is sponsored by Financial Adventure, LLC ~ visit https://www.financialadventure.com for additional information and free resources.

In this installment of the BetterWealth podcast, Caleb Guilliams speaks with financial expert, Garrett Gunderson, about the latest mortgage rule being implemented by Fannie Mae and Freddie Mac earlier this year which will punish people with good credit scores with high interest rates, to subsidize lower rates for individuals with bad credit. Basically, if you make good choices you get punished and if you make bad ones you get rewarded. Join us as we unravel the intricacies of this latest mortgage fee and the potential repercussions it has on individuals with strong credit scores. Tune in now to gain a deeper understanding of these critical financial developments and ensure you're equipped to make informed decisions about your financial future. If you find this discussion as enlightening as we do, remember to hit the "Follow" button, and don't forget to share this episode with friends and family who need to be in the know about safeguarding their financial well-being!

Here is what no one talks about, what actions steps should you take after a BK to regain a good credit score. Here are the steps. The credit bureaus don't work for you, they work for the creditors and they only report what the creditors report to them. Unless you use the laws in your favor, […]

In this Freight Broker Boot Camp Q&A episode, I will answer the question "Do you need good credit to become a freight broker?" The fact is you do NOT need good credit to become a freight broker but your credit rating will be a big factor in your freight broker surety bond cost and your freight broker authority.   Timestamps: [00:15] How credit will impact your freight broker surety bond cost [00:23] How much freight broker surety bonds cost will be based upon good or bad credit [00:55] Subscribe, Rate & Review! ---------------------------------- If you enjoyed this episode, please RATE / REVIEW and SUBSCRIBE to ensure you never miss an episode. Connect w/ Dennis & Learn More! Connect with me on LinkedIn Learn to Become A Freight Broker/Agent in 30 Days or Less! Watch Freight Broker Training Videos FREE Recently Ranked "Top 30 Freight Podcast"

If you haven't heard, the government is giving people with good credit scores higher interest rates when it comes to getting a home loan. WHAT? Why are they punishing good credit? Well, as usual, David Sidoni is here to give you the REAL story behind those clickbait headlines, and it's not quite as bad as it sounds. But, keep listening so you know what's up and how it affects you. Here are some takeaways from today's conversation: Episode Highlights: [02:26] What's Going On? So, these headlines tell you that the government is the one behind all this. Well, not exactly. It's a government-sponsored enterprise (GSE), which, in this case, is supervised by the Federal Housing Finance Agency and is run like a for-profit business. Weird, right? They're called Fannie Mae and Freddie Mac and they are the ones that give out the loans. BUT it gets wilder. These loans, although the organizations are advised by a government-appointed director, aren't backed or insured by government money. And it's these ones that are facing the good credit score punishment, not ones that ARE backed by government money, so FHA, USDA, and VA loans are safe. [11:11] So, What Should You know? So, those with higher down payments and higher credit scores usually pay less, but with this new policy, you'll still pay less than people with low down payments and low credit scores, but the difference isn't that big. So, it's not as good for lower score people and not as bad for higher score people. Now, upfront fees for loans from Freddie and Fannie will face some changes called “loan level price adjustments.” These will tweak interest rates for many home buyers (remember, not those backed by government funds). [21:31] Is This a Subsidy? To get to the point, it's not exactly a subsidy. It's not really a Robin Hood situation where you're taking from the rich and giving to the poor. It's really just minimizing the cost difference in the spectrum. But, as a business, this really just doesn't make any sense because it doesn't even the playing field the way it should. But don't be too concerned about this, because if you're getting ready to buy a home, this could change by the time you are ready. Resources: How the US Is Subsidizing High Risk Home Buyers at the Cost of Those With Good Credit - New York Post Setting the Record Straight on Mortgage Pricing - FHFA

If you haven't heard, the government is giving people with good credit scores higher interest rates when it comes to getting a home loan. WHAT? Why are they punishing good credit?  Well, as usual, David Sidoni is here to give you the REAL story behind those clickbait headlines, and it's not quite as bad as it sounds. But, keep listening so you know what's up and how it affects you.  Here are some takeaways from today's conversation: An overview of GSEs and how they work Who will be affected by loan level price adjustments A look at the numbers and data (of course) Why this isn't exactly the subsidy it sounds like Episode Highlights: [02:26] What's Going On? So, these headlines tell you that the government is the one behind all this. Well, not exactly. It's a government-sponsored enterprise (GSE), which, in this case, is supervised by the Federal Housing Finance Agency and is run like a for-profit business. Weird, right? They're called Fannie Mae and Freddie Mac and they are the ones that give out the loans. BUT it gets wilder. These loans, although the organizations are advised by a government-appointed director, aren't backed or insured by government money. And it's these ones that are facing the good credit score punishment, not ones that ARE backed by government money, so FHA, USDA, and VA loans are safe.  [11:11] So, What Should You know? So, those with higher down payments and higher credit scores usually pay less, but with this new policy, you'll still pay less than people with low down payments and low credit scores, but the difference isn't that big. So, it's not as good for lower score people and not as bad for higher score people. Now, upfront fees for loans from Freddie and Fannie will face some changes called “loan level price adjustments.” These will tweak interest rates for many home buyers (remember, not those backed by government funds).  [21:31] Is This a Subsidy? To get to the point, it's not exactly a subsidy. It's not really a Robin Hood situation where you're taking from the rich and giving to the poor. It's really just minimizing the cost difference in the spectrum. But, as a business, this really just doesn't make any sense because it doesn't even the playing field the way it should. But don't be too concerned about this, because if you're getting ready to buy a home, this could change by the time you are ready.  Resources: How the US Is Subsidizing High Risk Home Buyers at the Cost of Those With Good Credit - New York Post Setting the Record Straight on Mortgage Pricing - FHFA

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The Rich Zeoli Show- Hour 3: The Drive at 5: According to The Wall Street Journal Editorial Board, the Biden Administration is seeking to implement a new rule which “will raise mortgage fees for borrowers with good credit to subsidize higher-risk borrowers. Under the rule, which goes into effect May 1, home buyers with a good credit score over 680 will pay about $40 more each month on a $400,000 loan, and upward depending on the size of the loan. Those who make down payments of 20% on their homes will pay the highest fees. Those payments will then be used to subsidize higher-risk borrowers through lower fees.” You can read the full editorial here: https://www.wsj.com/articles/upside-down-mortgage-policy-212fd736 Jeff Zymeri of National Review writes, “[t]he Supreme Court agreed to hear Loper Bright Enterprises v. Raimondo, a case which could see an end to Chevron deference, in which courts defer to a federal agency's interpretation of an ambiguous statute.” Could this potentially reduce the executive branch's growing authority and restore power to Congress? You can read the full article here: https://www.nationalreview.com/news/supreme-court-agrees-to-hear-case-that-could-spell-the-end-of-judicial-deference-to-federal-agencies/ On Friday, billionaire Elon Musk appeared on HBO's Real Time with Bill Maher. During the interview, Musk emphasized the necessity for respecting free speech—arguing: “The thing about censorship is, that for those who would advocate for it, just remember, at some point it will be turned on you.” On Monday, Hunter Biden, the son of President Joe Biden, attended a court hearing related to child support payments in an ongoing Arkansas paternity case. Could this case inadvertently shine light on how Hunter earns money?

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Fannie and Freddie are changing some rules that could make home loans more expensive for people with high credit scores, and less expensive for those at the low-end of that spectrum. Critics say the rules amount to an unfair subsidy for high-risk borrowers, but the GSE's say it's a misconception about what they are changing.   Hi, I'm Kathy Fettke and this is Real Estate News for Investors. Please remember to subscribe to this podcast and leave us a review.   You may have seen the headlines already. One says: “A Bigger Subsidy for Risky Mortgages.” Another says: “Upside Down Mortgage Policy.” Another says this new policy will “screw Up the Homebuying Market.”   The headlines refer to a new rules from the Federal Housing Finance Agency regarding loan-level price adjustments or LLPAs for conventional loans. They officially kick in on May 1st, although some lenders have already been incorporating them into their fee structures.    What's an LLPA?   If you have a mortgage that's backed by Fannie or Freddie, you have paid or are paying this fee. LLPAS are fees that the government-sponsored enterprises charge when they buy loans from lenders. The fee is passed on to borrowers as a percentage of the loan and the amount is based on the borrower's risk factors such as credit score and down payment. People with higher risk factors pay higher LLPAs, and they can be paid up front or with higher monthly mortgage payments.    Business Insider offers a few examples of how the new pricing structure will impact borrowers.    1 - Someone who might see an increase could have a credit score of 700 with a 20% down payment for a $300,000 loan. They would have previously paid 1.25% of that loan amount or $3,750. With the new fee structure, they'd pay 1.375% or $4,125, which is an increase of $375. (1)   2 - Someone who might see a decrease could have a credit score of 780 but a down payment of just 3%. Previously, they would have paid .75% on a $300,000 loan or $2,250. With the new rules, they'd pay .135% or $375. That's a $1,875 reduction.   NAR, NAHB Opposed to the New Rule   The National Association of Realtors is among those criticizing the rule change. It is encouraging the FHFA to rescind the new rule especially given the affordability issues facing home buyers. It suggests instead that: “The GSEs could simply reduce the fees for (higher risk) borrowers and maintain the others at the same cost—especially given the sharp decline in affordability over the last year.” (2)   National Association of Home Builders CEO, Jerry Howard, told Newsweek: "In the short term, this may increase homeownership among the targeted group, but I'm afraid it could decrease homeownership among the middle class. I'm not sure that we're not robbing Peter to pay Paul here." (3)   FHFA Defends New Rules   FHFA Director Sandra Thompson issued a press release this week to “set the record straight.” She says: “Much of what has been reported advances a fundamental misunderstanding about the fees charged by the GSEs and why they were updated.” She says the pricing structure hadn't been updated for many years, and the new pricing structure is the result of a 2021 review. (4)   The goal: “To maintain support for purchase borrowers limited by income or wealth, ensure a level playing field for large and small lenders, foster capital accumulation at the Enterprises, and achieve commercially viable returns on capital over time.”   The overhaul has been done in steps over the last 18 months, beginning with fee increases for loans on second homes, high balance loans, and cash-out refi's. Then some fees were eliminated for first-time homebuyers with lower incomes but the means to meet their loan obligations. She says in her statement that this latest step is a recalibration of upfront tees that will make the housing finance system more resilient.   Among the misconceptions, she says:   1 - Stronger credit borrowers are not subsidizing weak credit borrowers. She claims that fees generally increase for lower credit scores, despite the down payment.   2 - She says the new fee structure does not raise the fees for all low-risk borrowers. She says many borrowers with high credit scores or high down payments will see no change in their fees or even a decrease.   3 - She says the old framework was not perfectly calibrated to risk. She says it was essentially outdated, and is now better aligned for the performance of a mortgage relative to its risk.   4 - The new rules do not encourage low-income borrowers to pay a lower down payment to benefit from lower fees because they will also have to pay mortgage insurance premiums.   5 - The elimination of upfront fees is not for people with lower credit scores but for borrowers with lower incomes, and she says they are essentially supported by the loan fees for second homes and cash-out refi's (and not by good credit, high down payment borrowers).   6 - The changes are not intended to stimulate mortgage demand, but rather to advance the soundness and safety of the GSE's.   The old and new fee structures are listed on the Fannie Mae website. You'll find links to those tables in the show notes if you'd like to compare. (5) (6)   Impact on Real Estate Investors   So how does this impact real estate investors?   Shawn Huss of Warsaw Federal told RealWealth: “For investment lending, it has helped out in some situations with better pricing when you have a greater down payment or a two to four unit. For a multi-unit, Fannie used to charge 1.0 points in additional pricing. Now if an investor's credit score is 780 or higher, it is only .375%. Another example is pricing used to be 2.125 points in pricing for 70% loan-to-value.  With the new pricing, at 70%, the pricing is better by .50 points which helps with lower rates.”   The new pricing structure only impacts conventional loans – not jumbo loans, FHA mortgages, or other non-conforming loans.   You'll find links to the stories I mentioned at newsforinvestors.com including the charts from Fannie Mae where you can compare the two pricing structures.   And please, remember to hit the Join for Free button at RealWealth and subscribe to our podcast.   Thanks for listening, Kathy   Links:   1 - https://www.businessinsider.com/personal-finance/biden-fhfa-new-mortgage-fee-structure-2023-4   2 - https://www.nar.realtor/washington-report/nar-advocates-for-fhfa-to-maintain-affordability-for-all-homebuyers   3 - https://www.newsweek.com/biden-raises-costs-homebuyers-good-credit-help-risky-borrowers-1795700   4 - https://www.fhfa.gov/Media/PublicAffairs/Pages/Statement-from-FHFA-Director-Sandra-Thompson-on-Mortgage-Pricing.aspx   5 - https://singlefamily.fanniemae.com/media/33201/display   6 - https://singlefamily.fanniemae.com/media/9391/display

Mock and Daisy have teamed up with Chief Investment Officer at Bulwark Capital, and the host of Know Your Risk Radio, Zach Abraham. It’s no secret that times are hard and money is tight so the Chicks wanted to bring in an expert to answer all of your money, investing, and risk management questions! Please […]

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Walter Reed medical hospital cancels its contract with local priests, the Biden administration penalizes home buyers with good credit, and what the Fox defamation lawsuit means to the media. Get the facts first with Morning Wire. Boll & Branch: Save 15% off your order with promo code WIRE https://www.bollandbranch.com/WIRECynch: First tank exchange for $10! Download the Cynch app and use promo code ‘WIRE'

Join Jim and Greg as they once again offer bad and crazy martinis. First, they fume over upcoming changes to mortgage fees that will force homebuyers with really good credit scores to pay more so that buyers with shaky credit scores have lower costs. They also shake their heads as once again the Biden State Department is caught off guard by a civil war where it's too late to evacuate Americans - this time in Sudan. Finally, as 14 percent of Americans who voted for President Biden last time now support Democratic presidential candidate Robert F. Kennedy, Jr. Jim unloads on Kennedy and explains why his candidacy is not good for America.Please visit our great sponsors:4Patriothttps://4Patriots.comUse code MARTINI to get 10% off your first purchase of 4Patriots Survival Food.

Join Jim and Greg as they once again offer bad and crazy martinis. First, they fume over upcoming changes to mortgage fees that will force homebuyers with really good credit scores to pay more so that buyers with shaky credit scores have lower costs. They also shake their heads as once again the Biden State […]